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UNION HEALTH SURAKSHA

UNION HEALTH SURAKSHA: A Comprehensive Health Insurance customized to cover healthcare needs of customers of Union Bank of India. The key features are listed below.


Key Features:
  • No pre-policy medical test; coverage is only based on confirmation on health details at the inception
  • Complimentary Annual Health Check-up for all members regardless of claim history
  • Attractive range of sum insured up to Rs.10 lakhs
  • Personal Accidental Death Benefit with PTD/PPD Cover for proposer
  • Alternative Treatments (AYUSH) covered
  • Additional Services covering Doctor on Call and Health Risk Assessment
  • No premium loading on renewal even if claim made
  • Second Opinion
  • No Co-payment
  • 541+ Day care treatment covered
  • Tax benefit under section 80D
  • Cashless Claims Settlement in 5200+ network hospitals

Product Feature

Benefit Table

Coverage Details

Sum Insured (SI) in Rs.

3L/4L/5L/7L/10L

Cover Type

Floater for family of up to 4 members;
Option to include parents

Relationships Covered

Self, Spouse, Children, Parents

Entry Age Limit

Adult: 18-70 years; Child: 91 days to 24 years

Exit Age

Lifelong

Age of the Proposer

18 Years & Above

Policy Tenure

1 year

Underwriting Rule

No Pre-policy Medical Test; Tele-UW applicable for members above age 50 years and PED declaration

Claims pay-out

Cashless (within network) / Re-imbursement

Claims Servicing

In – house

Benefits

Hospitalization Expenses

  • In-patient
  • Day Care Treatment

Up to SI

Pre- and Post- hospitalization

30 days and 60 days

Ambulance Cover

Up to Rs.2500 per hospitalization

Organ Donor Cover

Up to SI

Domiciliary Hospitalization

Up to SI, for period exceeding 3 consecutive days

Annual Health Check-up

Every year for all members

Alternative Treatment (IPD Basis)

Up to Rs.50,000/-

Second Opinion

Covered

Doctor On Call

Covered

Health Risk Assessment

Covered

Personal Accident for Primary Member

Accidental Death

100% of SI

Permanent total Disablement

Up to SI as per PTD Table

Permanent Partial Disablement

Up to SI as per PTD Table

Optional Benefits

Parental Coverage under same Floater

Available up to 5 Lakhs SI

Major Diagnostics Cover (MDC)

Covered Up to Rs.20,000

Double Sum Insured for Accidental Hospitalization

Additional 100% of Sum Insured for all Family Member

Wait Periods

30 Days

Yes (except emergency accidents)

Named Ailment

24 months

Pre-existing diseases

24 months

Sub-limits

On Room rent

1% of SI per day for up to 4 Lakhs / Single Private Room for 5 lakhs and above

ICU charges

2% of SI per day

Premium (Excluding Taxes):

(Floater premium without Add on Benefit)

SI / Age Band

3L

4L

5L

7L

10L

18 to 45 years

4,745

6,121

7,227

7,920

8,665

46 to 55 years

6,588

8,614

10,246

12,356

14,230

56 years and above

9,230

11,908

14,065

18,275

21,898

Parental Coverage (SI= up to 5 Lakhs)

5,101

6,909

8,973

NA

NA

Add on Benefit Excl GST

1.Major Diagnostic Cover
 

SI / Age Band

Premium

18 to 45 years

1200

46 to 55 years

1800

56 years and above

2400

*Major Diagnostic Cover, optional benefit premium


2. Double Sum Insured for Accidental Hospitalisation

Age Band

Family Premium

18 years and above

Rs 1000

*the Major Diagnostics Cover (MDC) & Accidental Hospitalisation optional benefits can be opted with any SI at given premium.

Key definitions

  • In-patient means treatment for which the Insured Member has to stay in a Hospital for more than 24 hours for a covered event
  • Domiciliary Hospitalization means medical treatment for an Illness/disease/Injury which in the normal course would require care or treatment at a Hospital but is actually taken while confined at home under any of the following circumstances:
    1. The condition of the patient is such that he/she is not in a condition to be removed to a Hospital, or
    2. The patient takes treatment at home on account of non-availability of a room in a Hospital.
  • Day Care Treatment means medical treatment, and/or Surgical Procedure which is listed in Annexure “A” and which is:
    1. undertaken under general or local anesthesia in a Hospital/ Day Care Centre in less than 24 hours because of technological advancement, and
    2. which would have otherwise required a Hospitalization of more than 24 hours.
      Treatment normally taken on an out-patient basis is not included in the scope of this definition.
  • Major Diagnostics Cover includes Medical Expenses incurred in respect of the Insured Member for undergoing MRI or CT Scan
  • Named aliment
    Any Claim for or arising out of any of the following Illnesses or Surgical Procedures shall not be admissible during the first 24 consecutive months from the Cover Start date:
    1. Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism and Spinal disorders, Joint replacement Surgery;
    2. Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty), nasal septum deviation, Sinusitis and related disorders;
    3. Benign Prostatic Hypertrophy;
    4. Cataract;
    5. Dilatation and Curettage;
    6. Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers;
    7. Surgery of Genito urinary system unless necessitated by malignancy;
    8. All types of Hernia, Hydrocele;
    9. Hysterectomy for menorrhagia or fibromyoma or prolapse of uterus unless necessitated by malignancy;
    10. Internal tumors, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant;
    11. Kidney Stone/ Ureteric Stone/ Lithotripsy/ Gall bladder Stone;
    12. Myomectomy for fibroids;
    13. Varicose veins and varicose ulcers.
  • Pre-existing Diseases any condition, ailment or Injury or related condition(s) for which the Insured Member had signs or symptoms, and / or were diagnosed, and / or received Medical Advice / treatment within 48 months prior to the first Policy issued by RHICL.

Subject to Master Policy Renewability

Note: - The premium payable under this scheme shall be reviewed on annual basis and may be subject to revision.

Disclaimer

Union Bank of India is a Corporate Agent of Care Health Insurance Limited bearing License Number CA0117and its Registered Office is at Union Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai - 400021. The insurance products are offered and underwritten by Care Health Insurance Limited. Servicing of the policy and adjudication of claims is sole responsibility of Care Health Insurance and Union Bank of India cannot be held liable for the same

*Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor.

Insurance is the subject matter of Solicitation.

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